Furniture & Décor shop insurance
A busy showroom, bulky stock and deliveries into customers' homes. If someone is injured or their property is damaged, your cover handles the defence costs and any compensation due.
• Public liability from €7.55 per month, with cover limits up to €6.5 million per claim.
Business insurance, done differently.
Fully online business insurance in Ireland.
A few questions and you're covered.
No lock-in, no long contracts.
Excess from €0, up to €6.5 million of cover.
Why take out business insurance as a furniture and décor shop owner?
Customers walk through your showroom every day, and your work follows them home. Here is why dedicated furniture shop insurance matters:
A visit can go wrong: a customer trips over a display plinth or a floor rug, or a stacked shelf unit topples. Public liability takes care of your defence costs and the compensation due.
You deliver and install: setup and installation of home furniture, textiles and lighting is part of the insured activity, so damage you cause in a customer's home during a fitting is handled the same way, once you declare how you work.
Staff change your exposure: if you employ sales or delivery staff, optional employers' liability covers your liability as an employer, with a limit of €13 million per claim.
What is Public Liability insurance?
If a customer or a member of the public holds you responsible for injuring them or damaging their property, public liability insurance covers what you owe them, up to your cover limit.
What does it cover?
Injury or property damage caused to others in the course of your work. You choose a cover limit of €1.25 million, €2.5 million or €6.5 million per claim. Optional covers can be added: employers' liability (€13 million per claim) if you have staff, and cover for third-party objects in your care (€5,000 per claim).
Cover that fits your profession
You describe your activities fully at sign-up, and your cover matches what you actually do: selling home furniture, textiles and lighting in the shop and online, fitting and installing what you sell, and the art supplies you stock alongside.
Is it mandatory?
Public liability isn't required by law in Ireland. However, many landlords, shopping centres, trade-fair organisers and local authorities ask for proof of cover before you can trade. Cover starts from €7.55 per month.
Who needs it?
Any shop owner who deals with customers in person: on the shop floor, at a market stand, or delivering and fitting in a customer's home.
What does our insurance cover for furniture and décor shops?
Cover for furniture and decor shops starts with public liability, and you can add options to match your situation.
Public liability: covers what you owe if a customer or another third party is injured, or their property is damaged, in the course of your work. You choose a cover limit of €1.25 million, €2.5 million or €6.5 million per claim, and up to twice that per insurance year.
Employers' liability (optional): covers a claim from an employee injured at work, whether they're on the shop floor, in the warehouse or out on a delivery. Limit €13 million per claim.
Third-party objects in your care (optional): covers damage to equipment or premises belonging to others while they're in your care, up to €5,000 per claim.
What you pay towards a claim: your excess. If your turnover is up to €500,000, you can choose €0, €250, €500, €1,000 or €2,500. Above that the options are €500, €1,000 or €2,500.
What's covered
Injury or damage you cause to others in the course of your work.
Selling home furniture, textiles and lighting: in the shop and online.
Delivering and installing what you sell.
Selling art supplies: drawing, painting and craft materials.
The shop you work from: if a customer trips on the step, you're covered.
Travelling for the business: a trade fair or a supplier visit. If you knock something over while you're there, you're covered.
Optional: employers' liability if you employ staff (€13 million per claim)
Optional: cover for third-party objects in your care (€5,000 per claim)
Designing or manufacturing products. Selling and fitting what you stock is covered; making goods yourself is not.
Customers' items left with you for work. Only if you haven't added third-party objects and sites.
Cover and exclusions shown are indicative and non-contractual. Only the terms of your policy apply.
Claim examples for furniture and décor shops
A customer trips over the corner of a display rug in your showroom and fractures a hip. Public liability takes care of your defence costs and the compensation due to the customer.
During a delivery, your team loses grip on a wardrobe on the stairs, and it breaks through a banister, damaging the customer's hallway. Public liability covers the damage to the customer's property.
While fitting a large mirror, it slips and gashes a customer's wooden floor. Public liability covers the repair costs due to the customer.
A customer trips over the corner of a display rug in your showroom and fractures a hip. Public liability takes care of your defence costs and the compensation due to the customer.
During a delivery, your team loses grip on a wardrobe on the stairs, and it breaks through a banister, damaging the customer's hallway. Public liability covers the damage to the customer's property.
While fitting a large mirror, it slips and gashes a customer's wooden floor. Public liability covers the repair costs due to the customer.
Examples are for illustrative purposes only. Compensation depends on the exact circumstances of the claim. No rights can be derived from these examples.
Your business insurance with Insify SmartGuide
Taking out insurance can be quick. Making sure you have the right cover is another matter. With Insify SmartGuide, you don't sign a contract blindly. You ask all your questions, and get clear, immediate and personalised answers, before you take out a policy.
Are you covered if you accidentally damage a client's equipment while working?
What excess should you choose?
Are you protected in the event of a dispute with a client?
Insify SmartGuide guides you step by step to understand what's covered, what isn't, and why. In just a few clicks, you build insurance that's truly tailored to your business, with complete confidence. Try Insify SmartGuide. Understand your insurance before you need it.
How to choose the right insurance as a furniture and décor shop owner?
Criteria to compare:
The cover offered: check that the policy matches the real risks of shop work: customers moving through a busy showroom, deliveries and fittings in their homes, and damage you might cause to the spaces you work in. Make sure everything you actually do is covered, from in-store and online sales to installation.
The price: compare premiums, but prioritise cover that fits retail. An attractive price can hide exclusions that matter for a shop that also delivers and installs.
The excess: find out what stays at your own expense when a claim happens, whether it is a fall in the showroom or an accident during a fitting.
The exclusions: read the exclusions list before you buy and check it against everything you actually offer. Work you have not declared is not covered, so describe your full activity at sign-up, including any making or restoring you do.
The service: an accident can happen at any moment. Choose an insurer that is easy to reach and understands retail. At Insify, our online support team knows the specifics of your work.
Mistakes to avoid: don't settle for a generic policy that ignores how a furniture and décor shop actually works. Make sure your liability is properly covered, whether customers come to you or you go to them. To secure your business today, discover our public liability insurance.
More than 40,000 entrepreneurs trust us
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
The cover itself was sorted quickly, and when I later needed support I got that fast too.
Very friendly, quick and thorough. It gives me real confidence in taking out the cover. The company feels genuinely transparent, exactly what I look for. You don't find that often.
When I had to make a claim, I was amazed how quickly and efficiently it was handled. Within a few days I had a resolution.
The cover itself was sorted quickly, and when I later needed support I got that fast too.
Answers to your questions about our insurance for furniture and décor shops
Public liability cover for a furniture and décor shop starts from €7.55 per month with Insify. What you actually pay depends on your turnover, the work you declare, how many people you employ, and the cover limit and excess you choose. A showroom with delivery teams will not pay the same as a small studio selling online. You can see your own price online in a few minutes, and adjust the cover limit and excess to see how each one moves the premium.
Public liability insurance isn't required by law in Ireland. In practice, however, it is often required by clients, venues, landlords and local authorities. So while the law may not force you to insure, the market you work in usually will.
If a customer suffers an injury in your showroom, such as a fall over a display or a piece of stock toppling, and holds you legally responsible, public liability responds to the claim: it takes care of your defence costs and any compensation due.
Yes. If your team damages a floor while carrying in a sofa, or a fitting goes wrong and a customer's property is damaged, public liability responds. The important thing is to declare how you work when you take out the policy. If you add delivery or installation later, tell us, so the policy keeps matching your real situation.
The excess is the part of a claim you pay yourself. If a claim settles at €4,000 and your excess is €500, you pay €500 and Insify pays €3,500. If your turnover is up to €500,000, you can choose €0, €250, €500, €1,000 or €2,500. Above that the options are €500, €1,000 or €2,500. A higher excess usually lowers your monthly premium, but it leaves more out of pocket when something happens. A lower excess costs a little more each month and limits surprises.
Yes. Selling through your website or a marketplace sits alongside your shop sales under the same cover.
The design, construction or manufacture of products is excluded, and so are items customers leave with you for repair work. Selling and installing finished pieces remains covered as standard.
Your liability as an employer is covered by employers' liability, which you can add as an optional cover with a limit of €13 million per claim. It is the cover that responds if a member of your team is injured at work and holds you responsible, whether that happens in the shop, in the warehouse or out on a delivery. Declare your headcount accurately when you get your quote: cover is available up to 30 people and up to €10 million of turnover.